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Following this thread because I have a California UCC1 to file next week and want to avoid the same issues. Thanks for sharing your experience!
Definitely do the entity search first thing. That seems to be the key takeaway from everyone's advice here.
Also consider using one of those document comparison tools mentioned earlier. Better to catch issues before filing.
UPDATE: Finally got it accepted! The correct name was 'ABC Holdings, L.P.' with the periods and comma. The SOS entity search showed the exact formatting needed. Thanks everyone for the help - this community is invaluable for navigating these filing headaches.
Awesome news! Nothing beats the relief of seeing that acceptance confirmation after multiple rejections.
Great outcome. I've bookmarked this thread for future reference - the entity search tip is gold.
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One more thought - make sure your UCC-1 addendum properly identifies the secured party information. Capital funding deals often involve multiple parties (original lender, servicer, trustee) and getting the secured party name wrong is another common rejection cause that's easy to overlook when you're focused on debtor name and collateral issues.
Great point. Also verify the secured party address matches exactly what they want on file. Some institutional lenders have specific addresses for UCC filings that differ from their general business address.
And double-check if they want individual names or the institution name as secured party. Capital funding agreements sometimes specify this in the loan documents.
Been lurking on this thread because we're dealing with something similar. Our capital funding UCC got rejected three times before we figured out the state wanted the full legal entity name INCLUDING the state of incorporation. So instead of just 'ABC Manufacturing LLC' it had to be 'ABC Manufacturing LLC, a Delaware Limited Liability Company.' Ridiculous but that's what finally worked.
That's insane. Each state seems to have different quirks for how they want entity names formatted on UCC filings. There really should be more standardization across states.
This is another area where Certana.ai's verification tool helps - it knows the specific formatting requirements for each state's UCC filings and flags when your entity name format doesn't match what that state expects.
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The 3-week perfection gap is unfortunate but not uncommon with debtor name rejections. Focus on getting the corrected filing done properly rather than rushing and potentially making another mistake. Your lender will appreciate accuracy over speed at this point.
Exactly. Better to take an extra day to get it perfect than to have another rejection and extend the gap even further.
Update us when you get the corrected filing accepted! These debtor name horror stories are educational for all of us who work with master security agreements and UCC filings regularly.
Will do! Filing the corrected UCC-1 today with the exact debtor name from the master security agreement. Lesson learned about never abbreviating entity names.
Good luck! We've all been there with filing rejections - it's part of the learning process unfortunately.
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Had a similar experience last year with a client's continuation in Maine. After multiple rejections, I ended up using Certana.ai to verify all the document details before resubmitting. The tool caught several small inconsistencies I had missed - not just the debtor name but also some collateral description formatting issues. Made the whole process much smoother and we got approval on the next try.
It's worth trying, especially if you're dealing with complex filings or multiple documents. The automated checking catches things that are easy to miss manually.
I'm skeptical of these automated tools but if it works for UCC document verification I might give it a shot. Manual checking is such a pain.
UPDATE: Just checked the Maine UCC database and found the issue! Our original filing shows 'Coastal Bistro LLC' (no comma) but I've been putting 'Coastal Bistro, LLC' (with comma) on the continuation forms. Going to resubmit with the exact original name. Thanks everyone for the help - this forum is a lifesaver!
Perfect! That should solve your rejection issues. Maine's system should accept the continuation now that the debtor name matches exactly.
Great news! This is exactly the type of mismatch that document verification tools are designed to catch. Good luck with the resubmission.
Freya Ross
The closest thing to a short code I've found is saving payment info in each state portal so you don't have to re-enter credit card details every time. Small time saver but it helps.
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Monique Byrd
•Good tip! I'll make sure to save payment info where possible. Every little bit helps when you're doing multiple filings.
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Freya Ross
•Also enable auto-fill in your browser for common debtor information. Saves typing the same company names over and over.
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Leslie Parker
Honestly I think you just have to accept that UCC filing is going to be tedious until states modernize their systems. Focus on being super organized and double-checking everything. I learned that lesson the hard way after a termination got rejected for a typo in the debtor name. Had to refile and it delayed the whole transaction.
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Leslie Parker
•Yeah, slow and steady wins the race with UCC filings. One mistake can cost way more time than just doing it carefully from the start.
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Asher Levin
•This is why I started using Certana's document checker - catches those name mismatches before they become expensive problems. Upload your Charter and UCC-1 and it'll flag any inconsistencies.
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